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<!-- Alternate text for non-supporting browsers --> <div id="right"> <h3 style="color: #663300">Why do I need Long Term Care?</h3> <p> <ol> <li>Medicare and including all Major Medical Plans have scaled back their coverage for skilled care. Requirements to receive custodial care or non-professional care care have become stringent. Maximum number of days per confinement that can be paid by medicare and a supplement is only 100 days. <li>Average Long Term need is approximately 2.5 years. However, a cognitive impairment such as Alzheimer's may require as many as 15 years of care. <li>Average cost of home care can be $15.00 per hour. Average cost of Facility based care is approximately $3600.00 per month. <li>Medicaid planning can be very dangerous. "Spending Down" resources is required and transferring assets can be countable if not done correctly. <br> </li> </ol> </p> <h3 style="color: #663300">How can a Long Term Care plan help me?</h3> <p> <ol> <li>Can protect assets <li>Can take burden off of loved ones <li>can give a freedom of choice <li>Can provide a piece of mind </li> </ol></p> <h3 style="color: #663300">What do I look for in a plan?</h3> <p> <ol> <li>Is it guaranteed renewable? <li>How long has the company sold Long Term Care Plans? <li>Is there an inflation rider? <li>Does the premium exceed 7.5% of my income? If it does you may want to reconsider <li>Is there a waiver of premium if I need to use the plan? <li>Can family or loved ones help with my care? (some plans allow this care) <li>Is the home care benefit 100% of the confined care benefit? <li>What benefit periods are available? </li> </ol> </p> </div> <!-- left navigation begins --> <div id="left"> <h3>Senior Health Specialists</h3> <ul> <li><ul> <li><a href="aboutus.cfm" title="Our Agents">Our Agents</a></li> <li> </li> </ul></li> </ul> <h3>Product Information</h3> <ul> <li><ul> <li><a href="sms_annuity.cfm" title="Annuity">Annuity</a></li> <li><a href="sms_health.cfm" title="Individual Health">Health</a></li> <li><a href="sms_lifeins.cfm" title="Life Insurance">Life</a></li> <li><a href="sms_ltc.cfm" title="Long Term Care">Long Term Care</a></li> <li><a href="sms_med.cfm" title="Medicare Advantage">Medicare Advantage</a></li> <li><a href="sms_medsup.cfm" title="Medicare Supplement">Medicare Supplement</a></li> <li><a href="sms_medpartd.cfm" title="Medicare Part D (Rx)">Medicare Part D (Rx)</a></li> </ul></li> </ul> <h3>Calendar</h3> <ul> <li id="calendar"> <div id="calendar1"> <SCRIPT LANGUAGE="JavaScript"> <!-- Begin var now=new Date(); var ThisDay=now.getDay(); var ThisDate=now.getDate(); var ThisMonth=now.getMonth()+1; var ThisYear=now.getYear(); if (ThisYear < 1000) ThisYear+=1900; function DayTxt (DayNumber) { var Day=new Array(); Day[0]="Sunday"; Day[1]="Monday"; Day[2]="Tuesday"; Day[3]="Wednesday"; Day[4]="Thursday"; Day[5]="Friday"; Day[6]="Saturday"; return Day[DayNumber]; } var DayName=DayTxt(ThisDay); function MonthTxt (MonthNumber) { var Month=new Array(); Month[1]="January"; Month[2]="February"; Month[3]="March"; Month[4]="April"; Month[5]="May"; Month[6]="June"; Month[7]="July"; Month[8]="August"; Month[9]="September"; Month[10]="October"; Month[11]="November"; Month[12]="December"; return Month[MonthNumber]; } var MonthName=MonthTxt(ThisMonth); var d = new Date(); var h = d.getHours(); document.write("<br><FONT color=#1555B5>"+"<B>"+DayName+", "+MonthName+" "+ThisDate+", "+ThisYear+"<BR></B></FONT>"); //zero-based months if (MonthName == "January") PrintMonth(0); else if (MonthName == "February") PrintMonth(1); else if (MonthName == "March") PrintMonth(2); else if (MonthName == "April") PrintMonth(3); else if (MonthName == "May") PrintMonth(4); else if (MonthName == "June") PrintMonth(5); else if (MonthName == "July") PrintMonth(6); else if (MonthName == "August") PrintMonth(7); else if (MonthName == "September") PrintMonth(8); else if (MonthName == "October") PrintMonth(9); else if (MonthName == "November") PrintMonth(10); else if (MonthName == "December") PrintMonth(11); else document.write("<br><FONT color=red><B>Error Processing Calendar!</B></FONT>"); // End --> </script> </div> </li> </ul> <p> </p> <div align="center"> <a href="http://www.bbb.org/knoxville/business-reviews/insurance/senior-health-specialists-in-lenoir-city-tn-5570" title="BBB - Senior Health Specialists" target="_blank"><img src="images/bbb.jpg" width="122" height="114" alt="BBB" border="0" /></a> </div> </div> <!-- left navigation ends -->
